NPS Calculator India — Pension & Corpus Estimate
Calculate NPS retirement corpus, lump sum withdrawal, monthly pension, and tax savings under Section 80CCD with year-by-year growth.
Last updated: June 2026
Based on PFRDA NPS guidelines — FY 2026-27, 80CCD tax benefits
Total Invested
₹18,00,000
NPS Corpus at Retirement
₹1,13,96,627
Lump Sum (tax-free up to 60%)
₹68,37,976
Annuity Corpus
₹45,58,651
Estimated Monthly Pension
₹22,793/mo
Corpus: ₹1.14 crore
📊 Annual Tax Savings from NPS Contributions (Old Regime, 30% slab)
- 80CCD(1) deduction (up to ₹1.5L): saves ₹18,000/year
- 80CCD(1B) extra deduction (up to ₹50,000): saves ₹15,000/year
- Total estimated tax savings: ₹33,000/year
⚠️ Under the new tax regime, only your employer's NPS contribution (Sec 80CCD(2)) is deductible — not your own contribution.
| Year | Age | Invested | Balance |
|---|---|---|---|
| 1 | 31 | ₹60,000 | ₹63,351 |
| 2 | 32 | ₹1,20,000 | ₹1,33,337 |
| 3 | 33 | ₹1,80,000 | ₹2,10,650 |
| 4 | 34 | ₹2,40,000 | ₹2,96,059 |
| 5 | 35 | ₹3,00,000 | ₹3,90,412 |
| 6 | 36 | ₹3,60,000 | ₹4,94,645 |
| 7 | 37 | ₹4,20,000 | ₹6,09,792 |
| 8 | 38 | ₹4,80,000 | ₹7,36,996 |
| 9 | 39 | ₹5,40,000 | ₹8,77,521 |
| 10 | 40 | ₹6,00,000 | ₹10,32,760 |
Estimates based on PFRDA NPS guidelines. Actual returns are market-linked and not guaranteed. Monthly pension depends on the annuity rate offered by your Annuity Service Provider (ASP) at the time of retirement.
About NPS Calculator India
Our free NPS Calculator projects National Pension System corpus at retirement, lump sum withdrawal, monthly pension, and Section 80CCD tax savings.
Adjust monthly contribution, age, expected return, annuity percentage, and annuity rate. Year-by-year growth table with old vs new regime tax callout.
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Read the full guide: NPS calculator India — retirement corpus & pension guide
When Should You Use the NPS Calculator?
Retirement planning
Project NPS corpus at age 60 with market-linked return assumptions.
Pension estimation
See monthly pension based on annuity corpus and ASP rate.
Tax savings
Estimate 80CCD(1) and 80CCD(1B) deductions under old regime.
Annuity vs lump sum
Compare 40% to 100% annuity allocation impact.
NPS vs PPF
Model NPS alongside PPF and EPF for holistic retirement planning.
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